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BNK Banking Corporation Limited provides various retail and commercial banking products and financial services in Australia. The company accepts various deposit products, including savings accounts, term deposits, and business accounts; and provides home and business loans under the Goldfields Money and Better Choice brands to its retail and small business customers through online application. It also offers bank guarantees; cash management accounts; mortgage management services; SMSF loans; and aggregation services through mortgage brokers. BNK Banking Corporation Limited was incorporation in 1982 and is based in Perth, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on BNK Banking Corporation Ltd (ASX: BBC) is limited; it is an Australian-listed banking group that, based on company disclosures, offers lending and deposit products. Long-term growth drivers could include loan book expansion, margin management and deposit growth, and investors may find exposure to a small domestic bank attractive for potential scale improvements and product diversification.
Material risks include credit-quality deterioration and provisioning needs, competition from larger banks and non-bank lenders, interest-rate and margin pressure, funding or liquidity constraints and regulatory or compliance changes that could increase costs.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | -3.88M | 1.99M | -8.05M | -5.18M | -16.00M |
| Net income | -3.71M | 1.28M | -6.70M | -3.94M | 59.79M |
| Selling general administrative | 17.51M | 7.70M | 16.12M | 15.98M | 16.46M |
| Selling and marketing expenses | - | 0.45M | 0.33M | 0.28M | 0.20M |
| Gross profit | 24.35M | 26.19M | 15.94M | 14.45M | 4.68M |
| Reconciled depreciation | 0.61M | - | 0.33M | 0.34M | 0.38M |
| Ebit | -3.88M | - | -0.00M | -5.18M | -16.00M |
| Ebitda | -3.29M | 1.99M | 0.33M | -4.84M | -15.62M |
| Depreciation and amortization | 0.59M | - | 0.33M | 0.34M | 0.38M |
| Operating income | -3.88M | 2.67M | -4.45M | -5.18M | -16.00M |
| Other operating expenses | 72.14M | 23.53M | 100.91M | 71.49M | 37.42M |
| Interest expense | 43.33M | - | 76.62M | 41.84M | 7.29M |
| Tax provision | -0.18M | 0.71M | -1.35M | -1.25M | -3.61M |
| Interest income | 67.38M | - | 95.91M | 60.65M | 20.22M |
| Net interest income | 24.04M | - | 19.29M | 18.81M | 12.92M |
| Extraordinary items | - | - | - | 0.00M | 72.18M |
| Income tax expense | -0.18M | 0.71M | -1.35M | -1.25M | -3.61M |
| Total revenue | 68.25M | 26.19M | 92.86M | 66.31M | 21.41M |
| Total operating expenses | 28.23M | 23.53M | 23.99M | 19.63M | 20.69M |
| Cost of revenue | 43.91M | - | 76.92M | 42.95M | 8.14M |
| Total other income expense net | - | -0.68M | -28.89M | -0.55M | -0.67M |
| Discontinued operations | - | - | - | - | 72.18M |
| Net income from continuing ops | -3.71M | - | -6.70M | -3.94M | -12.39M |
| Net income applicable to common shares | - | 1.28M | -6.70M | -3.94M | 59.79M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 1284.75M | 1233.69M | 1724.91M | 1679.79M | 1435.28M |
| Intangible assets | 0.24M | 0.25M | - | 0.29M | 0.31M |
| Other current assets | - | 110.53M | 124.23M | 1.87M | 825.48M |
| Total liab | 1166.41M | 1111.65M | 1603.79M | 1551.61M | 1244.91M |
| Total stockholder equity | 118.33M | 122.04M | 121.12M | 128.18M | 190.38M |
| Other current liab | - | 717.41M | 639.09M | -274.46M | 17.42M |
| Common stock | 100.37M | 103.69M | 100.33M | 100.33M | 118.94M |
| Capital stock | 100.37M | - | - | 100.33M | 118.94M |
| Retained earnings | 16.72M | 20.43M | 19.15M | 25.95M | 69.80M |
| Other liab | - | - | - | 6.75M | 9.57M |
| Good will | - | 3.50M | 3.50M | 7.10M | 7.10M |
| Other assets | - | - | - | 1581.20M | 1287.04M |
| Cash | 112.78M | 66.59M | -118.35M | 147.19M | 242.56M |
| Total current liabilities | 1.32M | 718.34M | 644.29M | 274.46M | 236.46M |
| Net debt | -15.62M | 23.86M | 439.98M | 137.84M | 2.96M |
| Short term debt | 1.32M | 0.93M | 0.19M | 261.76M | 221.95M |
| Short long term debt | 71.68M | - | - | 261.76M | 221.95M |
| Short long term debt total | 97.15M | 90.45M | 321.63M | 285.03M | 245.52M |
| Other stockholder equity | - | - | - | -129.62M | -192.52M |
| Property plant equipment | - | - | - | 0.49M | 0.81M |
| Total current assets | 112.78M | 110.53M | 124.23M | 90.71M | 140.03M |
| Long term investments | 115.11M | - | - | 147.58M | 164.59M |
| Net tangible assets | - | - | - | 120.79M | 182.97M |
| Short term investments | 115.11M | - | - | 147.58M | 164.59M |
| Net receivables | 7.91M | - | - | 19.62M | 29.86M |
| Long term debt | 24.16M | - | - | 23.27M | 23.57M |
| Inventory | - | - | - | - | -855.34M |
| Accounts payable | 9.04M | - | 5.01M | 12.70M | 14.51M |
| Accumulated other comprehensive income | 1.24M | -2.08M | 1.64M | 1.90M | 1.63M |
| Non currrent assets other | 8.13M | 1228.77M | 1596.99M | -7.88M | -8.22M |
| Non current assets total | 1171.97M | 1233.69M | 1600.68M | 7.88M | 8.22M |
| Long term debt total | - | - | - | 0.54M | 0.87M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | - | - | -0.01M | - | 152.22M |
| Change to liabilities | - | - | - | -1.39M | -12.48M |
| Total cashflows from investing activities | -0.40M | -0.27M | -7.57M | 64.92M | 371.35M |
| Net borrowings | 4.87M | - | 35.66M | 39.17M | 181.73M |
| Total cash from financing activities | 4.87M | -494.01M | 35.66M | -19.82M | 181.70M |
| Change to operating activities | - | - | - | -299.87M | -540.35M |
| Net income | -3.71M | 1.28M | -6.70M | -3.94M | -12.39M |
| Change in cash | 5.45M | -50.02M | 25.78M | -50.71M | 96.00M |
| Begin period cash flow | 107.33M | 157.35M | 92.57M | 143.28M | 47.28M |
| End period cash flow | 112.78M | 107.33M | 118.35M | 92.57M | 143.28M |
| Total cash from operating activities | 0.98M | 444.25M | -2.32M | -318.56M | -460.31M |
| Issuance of capital stock | - | - | - | 0.38M | - |
| Depreciation | - | 0.34M | 0.33M | 0.34M | 0.38M |
| Other cashflows from investing activities | 0.56M | 0.00M | -7.55M | -64.92M | 152.22M |
| Dividends paid | - | - | 0.00M | 40.36M | 510.60M |
| Sale purchase of stock | - | 0.00M | 0.00M | -19.00M | -0.04M |
| Other cashflows from financing activities | -0.52M | -262.33M | -0.38M | 39.49M | 371.35M |
| Change to netincome | - | - | - | 3.72M | -94.88M |
| Capital expenditures | 0.06M | 0.27M | 0.02M | 0.00M | 0.00M |
| Change in working capital | -2.17M | 441.55M | -4.44M | 45.98M | -436.52M |
| Stock based compensation | - | - | - | - | 2.64M |
| Other non cash items | 6.86M | 1.09M | 8.82M | -314.97M | -11.01M |
| Free cash flow | 0.92M | 443.99M | -2.34M | -318.56M | -460.31M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BBC BNK Banking Corporation Ltd |
- -% |
0.30 | - | 38.02 | 1.37 | 0.28 | 5.06 |
| BEN Bendigo and Adelaide Bank Ltd |
0.15 1.39% |
10.95 | 16.94 | 12.17 | 3.16 | 0.91 | 7.05 |
| BENPH Bendigo and Adelaide Bank Ltd |
0.27 0.27% |
102.47 | 107.08 | - | - | - | - |
| BOQ Bank of Queensland Ltd |
0.10 1.42% |
7.12 | 18.86 | 12.09 | 2.92 | 0.80 | 11.45 |
| BOQPF Bank of Queensland Ltd |
- -% |
101.00 | 166.53 | - | - | - | - |
BNK Banking Corporation Limited provides various retail and commercial banking products and financial services in Australia. The company accepts various deposit products, including savings accounts, term deposits, and business accounts; and provides home and business loans under the Goldfields Money and Better Choice brands to its retail and small business customers through online application. It also offers bank guarantees; cash management accounts; mortgage management services; SMSF loans; and aggregation services through mortgage brokers. BNK Banking Corporation Limited was incorporation in 1982 and is based in Perth, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Allan Savins | Chief Exec. Officer | NA |
| Mr. Andrew Kitchen | Group Chief Financial Officer | NA |
| Ms. Amber Smith | Chief Operating Officer | NA |
| Ms. Dara Wettner | Chief Risk Officer | NA |
| Mr. Simon Bednar | Gen. Mang. of Aggregation | NA |
| David Maher | Head of Marketing | NA |
| Ms. Jessie Klaric | Company Sec. | NA |
| Mr. Allan Savins | Chief Executive Officer | NA |
| Andrew Bell | Chief Information Officer | NA |
| Mr. Stephen Kinsella | Chief Financial Officer | NA |
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